Health Wise Wealth Wise SelfCare Health Consumerism Justin

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Health Wise Wealth Wise Self-Care & Health Consumerism Justin Kluesner Fd. L County Wellness

Health Wise Wealth Wise Self-Care & Health Consumerism Justin Kluesner Fd. L County Wellness Jessica Michels, APNP Fd. L County Virtual Clinic

Today’s Roadmap – Current Climate in Health Care – Ways to Save Money •

Today’s Roadmap – Current Climate in Health Care – Ways to Save Money • Access to Care • Medical Self-Care • Understanding Claim/Bills • Talking with your Health Care Provider • Other Methods

Current Climate 94% of Americans think that they are in “Good Health” 74% of

Current Climate 94% of Americans think that they are in “Good Health” 74% of Americans are sick, really sick, or about to get sick Source: Dr. David Hunnicut, WELCOA

Current Climate Avg Employee score for Fd. L Co -1 Source: IHS Aggregate Data

Current Climate Avg Employee score for Fd. L Co -1 Source: IHS Aggregate Data

Current Climate 15. 4% of Fd. L Co Employees smoke Source: IHS Aggregate Data

Current Climate 15. 4% of Fd. L Co Employees smoke Source: IHS Aggregate Data

Current Climate 14. 7% of Fd. L Co Employees have indicated mental health concerns

Current Climate 14. 7% of Fd. L Co Employees have indicated mental health concerns Source: IHS Aggregate Data

Current Climate 40% of Fd. L Co Employees have diabetes, pre-diabetes, or metabolic syndrome

Current Climate 40% of Fd. L Co Employees have diabetes, pre-diabetes, or metabolic syndrome Source: IHS Aggregate Data

Current Climate Family of 4: Average Health Insurance Plan costs over $30, 000 annually.

Current Climate Family of 4: Average Health Insurance Plan costs over $30, 000 annually. Source: Andrew Weil, Why Our Health Matters

Current Climate Increased to 274 times the cost since 1950. Source: Andrew Weil, Why

Current Climate Increased to 274 times the cost since 1950. Source: Andrew Weil, Why Our Health Matters

Current Climate Average Prescription $70 Average Hospital Room $1, 700 / Day Average Cost

Current Climate Average Prescription $70 Average Hospital Room $1, 700 / Day Average Cost with Heart Attack $45, 000 Average ER Admission $700 Average Cost of Cancer Treatment $375, 000 Source: Andrew Weil, Why Our Health Matters

Current Climate

Current Climate

Saving You Money What saves you money… Saves us all money!

Saving You Money What saves you money… Saves us all money!

Saving You Money Inappropriate use of Healthcare RAISES PREMIUMS for Everyone!

Saving You Money Inappropriate use of Healthcare RAISES PREMIUMS for Everyone!

Saving You Money “The notion that your health is your business and nobody else’s

Saving You Money “The notion that your health is your business and nobody else’s may apply to the specifics of your personal health information; …

Saving You Money …however, unless you are paying the full healthcare bill with your

Saving You Money …however, unless you are paying the full healthcare bill with your own personal dollars, this notion is out of date. The financial and social impact of unhealthy lifestyle choices impacts all of us and, therefore, is all of our business. ” -Michael H Samuelson

Saving You Money Improve Your Health

Saving You Money Improve Your Health

Saving You Money Access To Care

Saving You Money Access To Care

Saving You Money Types of Care Convenient Care Virtual Clinic Primary Care Provider Urgent

Saving You Money Types of Care Convenient Care Virtual Clinic Primary Care Provider Urgent Care Emergency Room Self Care

Saving You Money Where should I go to seek care for a sore throat?

Saving You Money Where should I go to seek care for a sore throat? Location Cost Convenient Care $45 -60 Virtual Clinic FREE Primay Care Provider $55 -195, plus $25 added copay Urgent Care $65 -402, plus $25 added copay Emergency Room $100 -402, plus $100 added copay Self-Care FREE

Saving You Money Care on a Walk-In Basis Postcard Service Locations for Agnesian Healthcare

Saving You Money Care on a Walk-In Basis Postcard Service Locations for Agnesian Healthcare http: //www. agnesian. com/locations

Saving You Money Self-Care Decision making process to determine appropriate use of medical service,

Saving You Money Self-Care Decision making process to determine appropriate use of medical service, leading to more informed decisions

Saving You Money Self-Care In Good Health, Agnesian Health. Care http: //ingoodhealthfdl. agnesian. com/

Saving You Money Self-Care In Good Health, Agnesian Health. Care http: //ingoodhealthfdl. agnesian. com/ Web. MD Mayo Clinic Website Healthier at Home Manual

Saving You Money Healthier at Home (Insert Book Cover) Written by: The American Institute

Saving You Money Healthier at Home (Insert Book Cover) Written by: The American Institute for Preventive Medicine Copyright 2012

Saving You Money Healthier at Home Section 1: Wise Health Care Choices Section 2:

Saving You Money Healthier at Home Section 1: Wise Health Care Choices Section 2: Health & Safety Guidelines Section 3: Common Health Problems Section 4: Emergencies and First Aid

Saving You Money Healthier at Home How To Use the Book: 1) Find the

Saving You Money Healthier at Home How To Use the Book: 1) Find the condition in the index or Table of Contents 2) Read about the condition to determine what causes it, its symptoms, and treatments 3) Read the “Questions to Ask” section and ask your way down to one of the answers

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Healthier at Home

Saving You Money Scenario 1 On a weekend trip to your cabin, you and

Saving You Money Scenario 1 On a weekend trip to your cabin, you and your daughter are out fishing off your pier. As you turn around to get some more bait, you feel a pain in your arm and notice that your daughter's hook is now lodged in your skin. Frantic to get it out because you haven’t had a tetanus shot recently, you head to the Emergency room of a local hospital.

Saving You Money Scenario 1 Poor Decision Costs $220 ER Visit $100 Copay $320

Saving You Money Scenario 1 Poor Decision Costs $220 ER Visit $100 Copay $320 total

Saving You Money Scenario 2 On a weekend trip to your cabin, you and

Saving You Money Scenario 2 On a weekend trip to your cabin, you and your daughter are out fishing off your pier. As you turn around to get some more bait, you feel a pain in your arm and notice that your daughter's hook is now lodged in your skin. Calmly you call your spouse at home and ask her to refer to your self-care book. After she takes you through a series of questions and instructions you are able to dislodge the hook. Because of the condition of the hook and your lack of a recent tetanus shot it is recommended that you see your doctor.

Saving You Money Scenario 2 Good Decision Costs Primary Care Physician $85 Office Visit

Saving You Money Scenario 2 Good Decision Costs Primary Care Physician $85 Office Visit $25 Added Copay $110 total

Saving You Money Scenario 2 EVEN BETTER Good Decision Costs Virtual Clinic $0 Office

Saving You Money Scenario 2 EVEN BETTER Good Decision Costs Virtual Clinic $0 Office Visit $0 Copay FREE

Saving You Money Scenario 2 Potential Savings ER Visit Primary Care Physician Virtual Clinic

Saving You Money Scenario 2 Potential Savings ER Visit Primary Care Physician Virtual Clinic $320 $110 FREE Savings of $210 -$320

Saving You Money YOUR TURN Scenario 3 As you pick-up your son from school,

Saving You Money YOUR TURN Scenario 3 As you pick-up your son from school, he mentions that his throat is really sore. After you get home you do a quick once over and take his temperature. On your initial observation he has no other symptoms and his temperature is 100. 3. After talking with him further he shares that his best friend at school was out that day with strep throat. What do you do?

Saving You Money YOUR TURN Scenario 4 After helping your daughter with her yard

Saving You Money YOUR TURN Scenario 4 After helping your daughter with her yard work on a very hot day, she mentions that her mouth is really dry and she is feeling weak and lightheaded. What do you do?

Saving You Money Insurance Claims & Medical Bills 1. 5 Trillion Insurance Claims Filed

Saving You Money Insurance Claims & Medical Bills 1. 5 Trillion Insurance Claims Filed Annually On avg. , 30% have an error Source: John Hammergren, Skin in the Game

Saving You Money 8 Most Common Errors 1) Duplicate Billing 2) Number of Days

Saving You Money 8 Most Common Errors 1) Duplicate Billing 2) Number of Days in Hospital 3) Incorrect Room Charges 4) Operating-Room Time 5) Up Coding 6) Keystroke Error 7) Canceled Work 8) Services never Rendered Source: Money. Central

Saving You Money How to Read Medical Bills or EOB’s UMR. com Website helps

Saving You Money How to Read Medical Bills or EOB’s UMR. com Website helps you understand your Explanation of Benefits. If you find an error, submit copies to the GHT and if you are correct, you will receive 50% of the errors in the bill, up to $500 annually. Patient. Care: Your advocate will help explain any bill or EOB your receive and work with you to resolve any issues.

How to Talk with your Health Care Provider “Help me…help you. Help me, help

How to Talk with your Health Care Provider “Help me…help you. Help me, help you. ” Prepare in advance Share important info with your health care provider Ask questions Take information home with you Follow-Up

Prepare in Advance • List of concerns you would like addressed – Symptom Diary

Prepare in Advance • List of concerns you would like addressed – Symptom Diary • List of medications – Strengths and how often you take them • Summary of past medical history, including procedures • Summary of family medical history, including diseases

Information to Share • • Symptoms, How are you feeling? Health History Personal Information

Information to Share • • Symptoms, How are you feeling? Health History Personal Information (Stress level, etc. ) Current Medications (prescription, over the counter, herbal supplements, vitamins) • Any test results, x-rays, HRA results

Questions to Ask • Ask every time you are unclear about something • Come

Questions to Ask • Ask every time you are unclear about something • Come prepared with questions in advance

Take Information Home • Take notes at your appointment or bring a friend •

Take Information Home • Take notes at your appointment or bring a friend • Bring a tape recorder • Collect brochures or ask to find credible information relating to your visit http: //healthlibrary. agnesian. com/Disclaimer. pg? redir=/Libr ary/

Follow Up with your Health Care Provider • If you have any questions after

Follow Up with your Health Care Provider • If you have any questions after the appointment, leave a message for the health care provider or speak with the nurse. • Follow up if you feel worse or have complications with your medicine • If you haven't received the results of a lab test

Saving You Money Other Methods Health Navigator A program designed to manage chronic diseases

Saving You Money Other Methods Health Navigator A program designed to manage chronic diseases including High Cholesterol, Diabetes, & High Blood Pressure. Go to a quarterly appointment at the Virtual Clinic or On. Site and receive discounts on your medications.

Saving You Money Other Methods Patient. Care A resource that provides information on high-cost

Saving You Money Other Methods Patient. Care A resource that provides information on high-cost procedures (MRIs, Knee Replacements, etc. ) Use a low cost option and earn up to 20% of the Highest cost price in cash.

Saving You Money Other Methods Med. Co / Express Scripts* Mail Order prescriptions 3

Saving You Money Other Methods Med. Co / Express Scripts* Mail Order prescriptions 3 month supply for 2 month copay *All Maintenance prescriptions will need to use mail order by the third refill to avoid increased copays at the pharmacy.

Saving You Money Other Methods Generics Ask your health care provider if there is

Saving You Money Other Methods Generics Ask your health care provider if there is a generic form of a current prescription. Switching can save you a lot of money.

Saving You Money Other Methods Prescription for OTC Meds Ask your health care provider

Saving You Money Other Methods Prescription for OTC Meds Ask your health care provider to write a prescription for any OTC meds you may take. You can use your Flex Spending Account and it could be cheaper when counted as prescription.

Moving Forward Self Care Books Quarterly Quizzes -To keep the thought of using the

Moving Forward Self Care Books Quarterly Quizzes -To keep the thought of using the book in your mind -Remind you how to use it -A lucky winner will receive special prizes

Questions?

Questions?